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The Scoop On Animal Liability

Dogs have worked their way in both people’s hearts and their homes. The American Pet Product Association estimates that in 2015 there are more than 75 million dogs in the United States. An American Veterinary Medical Association survey shows that over one-third of American households own a dog. Without a doubt, dogs provide joy and friendship for their owners. Yet if the dog owner does not have animal liability insurance, a dog can provide a big legal bill as well.

The Insurance Information Institute and State Farm® report that dog bites and other dog related injuries accounted for more than one-third of all homeowners insurance liability claims dollars paid out in 2014 costing in excess of half a billion dollars. In addition, the average cost per claim has risen more than 67 percent between 2003 and 2014 due to increased medical costs and the growing size of settlements and jury awards. The average cost for a bite claim nationwide rose 15% in the last year alone from $27,862 in 2013 to $32,072 in 2014. The most commonly injured groups suffering dog bites include children, the elderly, cyclists and mail carriers with a significant portion of incidents occurring on the dog owner’s property.

XISURANCE is a leading provider of dog bite insurance and animal liability. Unlike many other insurance carriers, XINSURANCE will find a coverage solution for your dog irrespective of its breed or history. XINSURANCE is capable of quickly binding coverage in case the need for insurance is highly time sensitive. Animal liability coverage is an essential part of being a responsible pet owner. XINSURANCE is a strong supporter of responsible dog ownership and of National Dog Bite Prevention Week.

In 2016, National Dog Bite Prevention Week falls between May 15th-21st and is used as a time to provide consumers with information on how to be responsible pet owners and raise awareness of a serious public health issue. For example, dog owners are suggested to have control over their dog anytime outside the home and always being mindful of its body language. Dog owners are urged to exercise extreme caution when approaching new dogs and to be alert around small children. Spaying or neutering a dog at an early age also leads to a decrease in the chance of a dog bite. Yet it is important to remember that even the most docile dogs can bite and that the most dangerous dogs are often the ones with negligent and inattentive owners.